Applications / Mortgage Analytics / Lenders / Nebraska / West Gate Bank
Lincoln, NE · State non-member bank · FDIC · $1.4 billion assets · 2,409 loans in 2025
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2,409
loans originated, 2025
2,807
applications, 2025
20
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
West Gate Bank is a Nebraska home-purchase lender that also buys loans on a scale similar banks do not, 1,660 in 2025 beside 2,409 of its own.
It bought 1,660 loans in 2025, up from 1,270, while similar lenders (state non-member banks making between half and twice as many loans) typically bought 2. Its own loan count rose 20%, against 13% at similar lenders and 10% for the whole market. Purchases are 78.1% of its loans, and it made almost no jumbo loans (larger than the conforming limit).
It ranks 2 of 341 lenders in non-metro Nebraska, behind Pinnacle Bank, and 4 of 249 in Lincoln, where it has lent since before 1990.
33.1% of its loans went to LMI (low- and moderate-income) borrowers, against 28.3% at similar lenders, higher than at three-quarters of them. Only 9.9% were in LMI tracts, against 15.7%, among the lowest tenth. A possible reason is the markets it serves, whose largest include non-metro Nebraska and Iowa, which may hold fewer LMI tracts than its peers' markets.
It turned down 3.3% of first-lien home-purchase applications on owner-occupied homes and 8.5% of refinance applications, against 6.7% and 18.0% at similar lenders. Its typical rate, 6.38%, is lower than at about four in five similar lenders.
Questions the data can answer next
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. West Gate Bank took 2,807 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 78.1% · Refinance 20.4% · Other 1.2% · Home improvement 0.3%
Conventional 94.4% · VA 2.7% · FHA 1.8% · USDA (RHS or FSA) 1.1% · of 2,409 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| Nebraska | 1,724 | 71.6% |
| Iowa | 452 | 18.8% |
| Colorado | 44 | 1.8% |
| South Dakota | 44 | 1.8% |
| Kansas | 31 | 1.3% |
| Wyoming | 27 | 1.1% |
| Missouri | 25 | 1.0% |
| Arkansas | 15 | 0.6% |
| North Dakota | 14 | 0.6% |
| Texas | 7 | 0.3% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Omaha | 532 |
| Lincoln | 367 |
| Des Moines-West Des Moines | 109 |
| Grand Island | 40 |
| Ames | 38 |
| Waterloo-Cedar Falls | 35 |
| Sioux Falls | 30 |
| Denver-Aurora-Centennial | 26 |
| Cedar Rapids | 23 |
| Sioux City | 18 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300QLO8TSQW5JTK72 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 207050 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 319850 | 1990–2017 |
Established 3 September 1968. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: West Gate Bank's data.
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